Call reports 2009
CITIZENS BANK, THE — 2009
What CITIZENS BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 80,169,000 | 88,474,000 | 90,408,000 | 95,196,000 |
| Total loans | 56,630,000 | 54,804,000 | 52,193,000 | 53,936,000 |
| Allowance for loan losses | 1,763,000 | 1,766,000 | 1,789,000 | 1,810,000 |
| Securities available for sale | 10,160,000 | 10,585,000 | 11,895,000 | 16,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,851,000 | 76,874,000 | 78,961,000 | 83,325,000 |
| Interest-bearing deposits | 46,304,000 | 51,757,000 | 54,649,000 | 56,917,000 |
| Noninterest-bearing deposits | 22,547,000 | 25,117,000 | 24,312,000 | 26,408,000 |
| Equity capital | 10,908,000 | 11,152,000 | 11,047,000 | 11,536,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 716,000 | 1,442,000 | 2,158,000 | 2,893,000 |
| Interest expense | 166,000 | 317,000 | 461,000 | 596,000 |
| Net interest income | 550,000 | 1,125,000 | 1,697,000 | 2,297,000 |
| Noninterest income | 464,000 | 875,000 | 1,143,000 | 1,570,000 |
| Noninterest expense | 869,000 | 1,715,000 | 2,715,000 | 3,640,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 122,000 | 246,000 | 63,000 | 143,000 |
| Income tax | 48,000 | 105,000 | 54,000 | 61,000 |
| Net income | 74,000 | 141,000 | 9,000 | 82,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,697,000 | 11,764,000 | 11,633,000 | 11,281,000 |
| Total capital | 12,476,000 | 12,494,000 | 12,361,000 | 12,035,000 |
| Risk-weighted assets | 61,351,000 | 57,399,000 | 57,203,000 | 59,284,000 |
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